Currie Morgan Group

Our Process

**Understand** Everything begins with understanding your goals, values, and current financial situation. We take time to learn what matters most to you, where you are today, and where you want to go. We review the many aspects of your financial life, including investments, retirement planning, tax considerations, estate planning needs, risk management, business interests, and legacy goals. **Plan** Once we have a clear understanding of your situation, we develop a personalized plan designed to help you achieve your most important objectives. The plan serves as a roadmap for decision\-making and helps bring clarity to complex financial questions. It provides a framework for coordinating investments, retirement planning, tax strategies, estate considerations, and other important financial decisions. **Execute** A good plan only creates value when it's put into action. We work closely with you and your other trusted advisors, including attorneys, accountants, and other professionals, to execute the recommendations that support your goals. By coordinating these efforts, we help ensure the various pieces of your financial life are working together effectively. **Adapt** Life changes. Markets change. Goals evolve. That's why our relationship doesn't end once a plan is implemented. We regularly review progress, review changes in your circumstances, and make adjustments when necessary.

Our Investment Approach

**Markets Work** We believe markets reward disciplined investors over time. Rather than chasing predictions or reacting to headlines, we focus on diversification, thoughtful portfolio construction, and maintaining a long\-term perspective. **Core\-Satellite Approach** Our portfolios are typically built using a core\-satellite approach. A diversified core provides broad market exposure, while carefully selected satellite investments may address specific opportunities, risks, income needs, or planning objectives. **Taxes and Fees Matter** Taxes and investment costs can have a meaningful impact on long\-term results. We incorporate tax\-aware strategies and remain mindful of fees, helping clients keep more of what they've worked hard to build. **Alternatives with Purpose** When appropriate, alternative investments can enhance diversification and provide additional sources of return. We use them selectively and thoughtfully, only when they support a client's overall objectives. **Discipline Over Emotion** The greatest risk to long\-term success is often not market volatility, but poor decisions made during periods of uncertainty. We help you do what's best even when it doesn't feel like it. ~Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high\-net\-worth investors.~

Personalized planning

**Helping you create a personalized plan** At Merrill, we go beyond the traditional role of an advisor. * Your goals, concerns and attitude about investing are the foundation of your plan. * We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family. * We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Team and resources

**Giving you access to our teams and solutions** Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with: * Bank of America specialists, such as mortgage or trust professionals * Timely insights from BofA Global Research1 to help you stay informed and navigate ever\-changing markets * A [full suite](https://www.ml.com/solutions/all.html) of Merrill investing and Bank of America banking solutions ^1^~BofA Global Research is research produced by BofA Securities, Inc. ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker\-dealer, [Member SIPC](http://www.sipc.org/), and wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").~

Recognition